CareForward is a combination of LTC insurance and life insurance. Clients can pay a one-time lump sum premium or pay a premium over a period of years. As LTC benefits are used, the death benefit decreases. Any remaining death benefit will be paid to a beneficiary when the insured passes away. This whole-life solution is built on a reimbursement chassis and is designed to offer maximum leverage if care is needed. CareForward is available in all states but California and New York.